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Florence Zeman

Florence Zeman manages the Public Finance Housing Finance & State Revolving Funds team at Moody’s which is responsible for providing ratings for the state and local housing finance agency single and multifamily bond programs and for state clean water and drinking water revolving funds.  Under Florence’s direction the team developed new rating products for various housing finance areas including low income housing tax credit funds, military housing and privatized student housing. She has also been involved in the ratings of other public finance credits,  real estate and asset backed transactions and sovereigns and sub-sovereign credits.  Florence is a member of the Public Finance Credit Committee and is responsible for much of the Housing team’s research activities. She frequently represents Moody’s at industry conferences and is often quoted in the media.Prior to joining Moody’s in 1994, Florence was a Vice President in the Structured Finance Department at AMBAC. She has a master’s degree in Public Finance and a bachelor’s degree in history, both from New York University.